This story belongs to Kumanano and translated by Fans Translation. All credits belong to them. I only copy and pasted it here to read it offline. https://fanstranslations.com/novel/kuma-kuma-kuma-bear/

Author: Kumanano Translated by: Fans Translation Synopsis: Yuna, a 15 year old girl started playing the world's first VRMMO. She has earned billions of yen in stocks, and confines herself in her house playing the game without going to school. Today, a major update has arrived and she obtained a non-transferable rare bear outfit. But the equipment is so embarrassing that she can't wear it even in the game. Furthermore, when she answers the survey regarding the new update and relaunches the game, she appears in and unknown forest in the bear outfit. Where is this? Email from God? A different world? If she wears the bear outfit she's a cheat, if she takes it off she's a normal girl. Her adventure starts just like that. Yuna began doing whatever she wanted. (This is not my story. I only copy and pasted it here so that I can read it offline.)

Note: Not my original work. Not a formal translation either. I copy pasted it here basically so I can read it offline. Starts from Chapter 261

Note: Not my original work. Not a formal translation either. I copy pasted it here basically so I can read it offline. Starts from Chapter 75 since the light novel volume 3 ended at Chapter 74.